2. Inquire through the house sales contract: check whether there are any clauses related to mortgage loans in the house purchase contract.
3. Inquire through the notary office: inquire at the notary office whether the property is mortgaged or sealed up.
4. Inquire through the bank: If the seller has borrowed from the bank to mortgage the property, he can inquire from the relevant bank whether there is any outstanding loan in the property.
How to check whether the house is mortgaged?
1, online query. If you want to determine whether the house has been mortgaged, you can click on the local real estate bureau official website to inquire. When inquiring, you need to enter the name of the owner of the house, the title certificate number, etc. But generally speaking, only some cities have the function of online inquiry. Inquirers must first determine whether their city has opened online inquiry. Housing mortgage loan.
2. Inquiries from the Real Estate Bureau. If you want to determine whether the house is mortgaged, you can bring the original ID card and real estate license to the lobby window of the local real estate bureau or the archives to inquire. Under normal circumstances, the Housing Authority will record and register the details of various housing transactions and mortgages in detail.
3. Look at other search warrants. If the house is mortgaged, there will be a mortgage stamp on it.
How to mortgage the house?
1. Select a lending institution.
First of all, we must choose the right lending institution. There are many institutions that provide loans now, such as major banks and credit companies. Among them, bank loans are relatively safe and reliable, and the loan interest rate is low, but their audit is strict and the speed is slow. The review of credit companies is relatively loose and fast, that is, the loan interest rate is higher. Those who need to apply for real estate mortgage loans can choose according to their own needs.
2. Fill in the application for mortgage loan and submit relevant materials.
After the loan institution is selected, it can bring personal ID card, household registration book, marriage certificate, real estate license, income certificate and other related materials and submit them to the loan institution for loan application. At the same time, fill in the mortgage application form, especially to explain the purpose of the loan.
3. Preliminary review.
Next, banks and other lending institutions will review their loan information and loan qualifications, and once they meet the loan application conditions of the institution, they will approve it.
4. Real estate appraisal.
After approval, the lender will designate an appraisal institution recognized by it to appraise the value of the collateral, and the applicant shall pay the relevant appraisal fees, which shall be charged by region.
5. Approve the loan and sign the mortgage loan contract.
After the evaluation results come out, the lending institution will confirm the amount, term, interest rate and repayment method related to continuing the loan according to the submitted materials and evaluation report, and the mortgage loan contract can be signed after both parties agree.
6. Apply for mortgage registration and loan.
Once the loan mortgage contract is signed, the parties to the loan mortgage, that is, lenders and banks and other lending institutions, need to go to the local real estate center for mortgage registration and filing. After these procedures are completed, the financial institution designated by the bank will lend money to the lender.
What conditions do housing mortgage loans need to meet?
1, must be a natural person with independent civil capacity. If it is less than 18 weeks, or people with certain mental defects are not allowed to apply for bank mortgage loans.
You must have legal identification, which can be ID card or other valid documents that can prove your identity.
You should have some property to mortgage, including houses and vehicles. But after the mortgage, the ownership belongs to you and the right to use it belongs to you, so there is no need to hand over the property to the bank.
4. Both parties shall sign a loan mortgage agreement. If there is no agreement, the verbal commitment of both parties has no legal effect.